Should You Have Medical Payments Auto Insurance Coverage?
The number of Americans who do not have health insurance has increased
in the last three years. As a
Palm Springs personal injury attorney
I am very aware of the unfortunate circumstances of being without health
insurance. If you are involved in an
automobile accident
in Palms Springs or anywhere in the Coachella Valley and end up at a local
hospital because of accident related injuries it is not unusual to receive
a hospital bill of more than ten thousand dollars for the visit to the
ER. Cat Scans, MRIs, and other testing procedures are very expensive.
If the accident was caused by the negligence of the other driver and that
driver had liability insurance or assets, the fault free accident victim
will very often be able to collect the medical charges from the other
driver or that driver's insurance company in an out of court settlement
or by jury verdict. However in the event the other driver is uninsured
and without assets the innocent accident victim without medical insurance
may be stuck with medical bills and no immediate ability to pay. This
last scenario provides the strongest argument for making certain that
you have medical payments coverage in your automobile insurance policy.
If you don't have health insurance you should carry the highest limits
of medical payments coverage you can afford because the insurance coverage
will pay all your accident-related medical bills that were reasonably
incurred as a result of an automobile accident up to the limits of the
coverage. These payments will be made even if you were the cause of the accident.
Posted By
Barry Regar APLC
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